U.S. Bancorp is a diversified financial services holding company. The Company's banking subsidiary provides a wide range of products and services to individuals, businesses, institutional organizations, governmental entities and other financial institutions. Its lending services include traditional credit products as well as credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance and other products. The Company's depository services comprise checking accounts, savings accounts and time certificate contracts. It also provides ancillary services, asset management and fiduciary services for individuals, estates, foundations, business corporations and charitable organizations. U.S. Bancorp non-banking subsidiaries offer investment and insurance products, and fund administration services.